Podcasts about calculating

​Imagine spending just $75 on a lead and walking away with over $77,000 in pure profit. In this action-packed episode, Brent Daniels is joined by Carey Howard, a real estate powerhouse who transformed major personal setbacks into a thriving business that now closes a deal a day! Carey completely breaks down his innovative "Liger" method, a masterclass in blending wholesaling with novations by going on title with the seller, doing light base-level rehabs, and selling for top retail dollars. Stop overcomplicating your sales process and start serving sellers with custom solutions that pay off big. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:30) From a kidney transplant and quitting a bank job to taking a leap into real estate(2:34) The ultimate servant's heart and that is turning a $75 statewide lead into a $77,000 profit(4:48) Generating a deal a day on a $10k–$20k monthly marketing budget(5:56) The "Liger" strategy, by blending wholesaling and novations for maximum profit margins(7:27) Why giving property owners three distinct options dramatically increases your close rate(9:32) How bringing an overgrown property up to "base level" yielded a massive $87,000 win(12:42) Calculating offers based on as-is comps instead of ARV(15:18) Bypassing the due-on-sale clause by taking the deed into a trust with 10% beneficial interest(17:46) The ultimate advice from Pastor Tom(20:18) Navigating the unique challenges of entrepreneurship and the importance of a supportive partner----------Resources:Property LeadsCloser ControlWholesaling LaunchTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

Has Micron's earnings report changed the outlook for semiconductor stocks and the broader artificial intelligence trade? With expectations running exceptionally high following a massive rally in chip stocks, investors are looking beyond headline numbers to what Micron's results and outlook may reveal about future demand, pricing power, and earnings growth across the industry. Lance Roberts & Michael Lebowitz discuss what Micron's report means for semiconductor stocks, market leadership, and the next phase of the AI-driven investment cycle. Here's a topical rundown of today's show: 0:00 - INTRO 1:05 - Economic Data Preview & Trump's Gasoline Gaffe 7:00 - Narrow Market Rally Obscures Underlying Weakness 13:02 - Micron Recap 16:32 - Nvidia vs Micron - Comparing the Fundamentals 20:26 - When Will Demand Slow or Supply Catch Up? 21:57 - "Your High Margin is My Invitation" 25:22 - The Law of Large Numbers Will Eventually Apply 28:58 - Calculating the Risk 30:32 - Crude Oil Pricing vs Gasoline 33:04 - Economic Data Preview - What Will Markets Do? 37:27 - Will CPI, PPI Indicators Matter to the Fed Now? 40:54 - Bonds Look Like Gasoline Hosted by RIA Advisors Chief Investment Strategist, Lance Roberts, CIO, w w Portfolio Manager, Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Do you enjoy our content? Rate us on Google: https://bit.ly/4b9JtEo ------- Watch Today's Full Video on our YouTube Channel: https://youtube.com/live/Hu6OW8jg_XE ------- Watch our previous show, "Q&A Wednesday: What's Really Driving This Market? " https://youtube.com/live/b7C0L0Sd2mU ------- Watch today's "Before the Bell" feature, "Semiconductor Rally Hides Market Weakness" here: https://youtu.be/iT0t1C5puiE ------- Articles mentioned in this report: "The Technical Backdrop: When Flows Meet a Hawkish Fed: https://realinvestmentadvice.com/resources/blog/the-technical-backdrop-when-flows-meet-a-hawkish-fed/ "Kevin Warsh And The End Of The Fed's “Forward Guidance” https://realinvestmentadvice.com/resources/blog/kevin-warsh-and-the-end-of-the-feds-forward-guidance/ --- Get more info & commentary: https://realinvestmentadvice.com/insights/real-investment-daily/ ------- * REGISTER for our next Candid Coffee, "Narrative Busters: Market Stories Investors Should Approach With Caution," Saturday, July 18, 2026: https://streamyard.com/watch/RfJtCj2byfDr --- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN --- Subscribe to SimpleVisor : https://www.simplevisor.com/register-new --- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #StockMarket #Semiconductors #Micron #Investing #MarketOutlook #Micron #ArtificialIntelligence #Investing #Gasoline #CrudeOil

When we calculate how close we can get to sin, compromise slowly reshapes our convictions and hearts—but God's mercy can still rescue us when we choose surrender over compromise and return to Him.

Perpetual pain is a two-time taker, taking from both the body and the mind. Physically, pain takes away the freedom of living life without making mini-choices regarding daily activities, knowing there will be a price to pay either way. Mentally, it takes the joy of good times and makes bad times worse. Listen to legendary trial attorney Keith Mitnik discuss: Defining 'suffering' and the mental fallout from pain Calculating the value of suffering How negligence and a dismissive defendant impact suffering Have a case you think Keith and his team can handle? Send an email to Keith directly: KMitnik@forthepeople.com  Have a case your firm doesn't handle? Our team is here to help! We hand out hundreds of referral fee checks a month $$$ If you think you have a case for us you can send it to  ▶ TheMorganConnection@ForThePeople.com  More great content here: https://www.themorganconnection.com/ Season 2 - Episode 4

Every retiree gets exactly one shot at one sequence of returns — and the first five years can quietly cost you more than half your lifetime portfolio. In this episode of Insight is Capital, host Pierre Daillie sits down with David Varadi, MBA, CFA, instructor of Personal Finance and Investments at the Schulich School of Business at York University, to unpack one of the most underestimated risks in retirement planning: sequence of returns risk. Drawing on a career that spans RBC, Macquarie, Flexible Plan Investments, QuantX, and now academia, Varadi introduces the concept of the "sequence tax" — the measurable gap between what the market returns and what a retiree actually realizes after withdrawals. He explains why poor returns in the first five to ten years of retirement can permanently impair a portfolio in ways that bull markets later cannot repair, and walks through practical levers advisors can use to defend against it, including bond ladders, dynamic withdrawal cuts, trend-following overlays, and diversification beyond the traditional 60/40 mix. The conversation moves into the four economic regimes, why long-duration treasuries, energy, utilities, and managed futures each play a distinct hedging role, and how capital efficiency — using leveraged or portable-alpha structures to free up liquidity — can help underfunded clients diversify into annuities, tontines, and real assets without taking on a purely speculative, all-equity gamble. Varadi closes with a call for advisors to calculate every client's required rate of return and shortfall risk, rather than relying on risk tolerance alone, to determine whether a retirement plan is actually safe versus merely comfortable. Timestamped Chapters00:00 — Introduction: the sequence tax and why order matters more than average return 02:00 — David Varadi's career arc: RBC, Macquarie, Flexible Plan, QuantX, and teaching at Schulich 06:00 — Why decumulation is the industry's biggest blind spot and top advisor anxiety 08:00 — What sequence of returns risk actually is and how the "sequence tax" is calculated 10:00 — Selling shares in a down market: cannibalizing the portfolio and the math of recovery 13:00 — The first five and ten years: 53% and 80% of lifetime sequence damage explained 14:00 — Levers for protection: liquidity buffers, cutting withdrawals, trend following, bond ladders 16:00 — The trade-offs of holding bonds early in retirement 24:00 — Replacing traditional fixed income with convexity: managed futures and the four market regimes 26:00 — Best hedges for long-duration bonds: energy, utilities, and commodities 28:00 — Real assets and inflation protection: pipelines, infrastructure, and rate-linked cash flows 30:00 — Managed futures as a "utility player" across market regimes 32:00 — Capital efficiency for underfunded clients: solving multiple risks with the same dollar 35:00 — X-raying the 60/40 portfolio: why it behaves like 90% equity risk 38:00 — The danger of mistaking the need for diversification as a need for more risk 48:00 — Building the floor: bonds, annuities, and tontines for funded versus underfunded clients 54:00 — Practical capital-efficiency examples: leveraged ETFs, covered calls, and portable alpha 1:01:00 — Calculating the retirement required rate of return and the conservative-client mismatch 1:02:00 — Shortfall risk versus standard deviation: optimizing for retirement survival 1:04:00 — Closing thoughts and a look ahead to capital efficiency in depth #SequenceOfReturnsRisk #RetirementPlanning #DecumulationStrategy #RetirementIncome #FinancialAdvisor #PersonalFinance #PortfolioConstruction #CapitalEfficiency #ManagedFutures #RetirementSavings #WealthManagement #InvestingForRetirement #FinancialPlanning #InsightIsCapital #SchulichSchoolOfBusiness #RetirementRiskManagement #AssetAllocation #FixedIncomeStrategy #AnnuitiesVsTontines #FinanceEducation

Send us Fan MailWelcome to our new 8-part series focused on building long-term wealth through smarter retirement investing strategies. Throughout this series, we'll explore how investors can use retirement accounts to invest beyond traditional stocks and bonds and take advantage of opportunities in multifamily real estate investing.The Laurens will be joined by Pat Poling from Mara Poling and we'll break down the concepts, strategies, and potential benefits of retirement account investing in a practical, easy-to-understand way.Over the course of this series, we'll cover:Investing with Your Retirement AccountDiversificationHow to Invest Using a Retirement AccountCompounded Returns Investing in Multifamily Real EstateInvesting in Multifamily Real Estate with Your ROTHCutting Your Taxes 50% to 70% or MoreThose “Other” TaxesLong-term Multifamily Real Estate InvestingWhether you're just getting started or looking to better understand how retirement accounts can be used to create passive income and long-term financial growth, this series is designed to help you think differently about investing for the future.Be sure to subscribe and join us each week as we continue the conversation and dive deeper into each of these topics.To learn more, visit Mara Poling or email Pat directly at pat@marapoling.com.

Are you prepared to smash your watch and enter the hustle season? In this episode, Brent Daniels breaks down the exact, un-sugarcoated math of using a cold calling center to land your first wholesale deal. If you are operating on a marketing budget under $2,000 a month, this is your blueprint. Brent reveals the precise numbers you need to know: 15,000 phone numbers, 1,000 contacts, and 100 leads to close one deal.But it doesn't stop at generating leads. Brent explains why outsourcing your follow-up too early is a fatal mistake, detailing the aggressive "triple tap" sequence you must use to convert those 100 leads into massive paydays. Featuring incredible case studies, including a $137,000 deal from a single cold call, this episode proves that while the volume is high, the ROI is absolutely bananas. Be a part of the TTP training program now.---------Show notes:(0:00) Beginning of today's episode(1:32) Why your first 90 days in real estate must be treated as the ultimate "hustle season"(2:35) The exact metrics for hiring a call center (15,000 numbers, 1,000 contacts, and 100 leads)(4:30) Calculating the upfront costs and expected hours required to close one cold call deal(6:11) Why outsourcing your lead follow-up too early will absolutely destroy your business(7:23) Understanding the realistic 90 to 120-day sales cycle for cold call leads(9:35) "Triple tap" follow-up sequence and how to engage a brand new lead in the first 48 hours(12:59) How Brandon Morales turned one cold call lead into a $137,000 wholesale fee(14:43) Securing an $83,000 wholesale fee on a hoarder property in just two days(16:36) The 5-step roadmap from finding your tribe to firing yourself and buying assets----------Resources:Wholesaling Launch BookCall GeeksDealMachineCEO Pulse CRMInstagram: @realbrentdanielsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

“There are three ways you’re going to get compensated from your business. One is W-2 Salary. Two is K-1 distributions. Three is other benefits.” – RJon Robins, author of Profit First for Lawyers How profitable is your law firm? The answer might be more complicated than what shows up on your P&L statement. In this third part of our seven-part financial literacy series, we revisit a topic from season one: Total Owner Benefits. A topic of such importance that it has an entire chapter devoted to it. Listen in as RJon takes a law firm owner through an exercise to calculate the true value they are receiving from their firm. Beyond the Bottom Line RJon poses a powerful question: Would you rather own Firm A (making $1M but working 70-hour weeks doing work you hate with no vacations) or Firm B (making $500K working 50 hours doing meaningful work with real time off?) Your banker might say Firm A is more profitable, but which would contribute to your family’s happiness more? The Real Math In the 2019 workshop, RJon shows how a business that appears to have a 20% profit margin actually delivers 38% in Total Owner Benefits when you account for all three components (W-2 Salary + K-1 distributions + Other benefits). The difference is dramatic and changes everything about how you evaluate your firm’s true profitability. Understanding Total Owner Benefits reveals the value your business is actually providing you with. Action Steps Follow along with your numbers during the exercise to discover your Total Owner Benefits Then ask yourself: What is my law firm actually giving back to my life? If you don’t like the answer, pick one small thing to change Next Time: Join us for Part 4 where RJon walks law firm owners through normalized salary calculations. This is an eye-opening episode you won’t want to miss. So be sure to subscribe to the Profit First for Lawyers podcast. Resources Mentioned Financial Literacy Series: Part 1 – You’re Not Bad with Numbers Part 2: Understanding the Stages of a Law Firm’s Growth Chapter 9: Total Owner Benefits (pages 73-87 in the Profit First for Lawyers book) Season 1: Total Owner Benefits episode Connect Subscribe to the Profit First for Lawyers podcast Watch episodes on YouTube And most importantly, order your copy of Profit First for Lawyers today!

The voice won't stop. The food calculations. The weight obsession. The constant mental chatter that's been your unwelcome companion for years—maybe decades. If you've tried therapists, treatments, and programs but still feel trapped by eating disorder thoughts, this episode is your breakthrough moment. Today you'll discover: The 2 words that can silence your eating disorder voice TODAY Why saying "no more" to excuses changes everything How to evict the voice that's been living rent-free in your brain The identity shift from tolerating to terminating disordered thoughts Why you're never too old to reclaim your life Specific strategies to stop negotiating with the disorder voice For the woman who's done living this way and ready to get her mind back. THE BRUTAL REALITY You've tried everything: Therapists, programs, meal plans, books, podcasts. Yet here you are: Calculating calories at your daughter's birthday party Avoiding restaurants because menus feel like minefields Letting the scale determine if you deserve to feel good today Living with constant food noise that never stops You're exhausted—not just from behaviors, but from the relentless mental chatter about food, weight, and what you can eat next. You wonder if other women your age who seem effortlessly free will ever be you. THE TWO WORDS: "NO MORE" Most women say "no more" to food, their body, taking up space. I'm talking about saying "NO MORE" to the voice running your life. The identity shift: Step behind the identity of the woman who no longer tolerates this voice living rent-free in her brain. You don't tolerate nonsense anywhere else—why are you allowing this disordered voice to be your most demanding tenant? Time to serve an eviction notice. NO MORE "I CAN'T" Stop saying: "I can't eat that" "I can't skip my workout" "I can't trust my body" Start saying: "I choose not to right now" (choice vs. restriction) "I'm learning to trust my body" (growth vs. impossibility) "I'm exploring what feels good" (curiosity vs. fear) "I can't" keeps you small. "I'm choosing" gives you power. NO MORE "I'M TOO TIRED" You're not too tired to recover—you're exhausted from fighting the wrong battle. You've been fighting: Your body instead of for your body Food instead of for nourishment Yourself instead of for yourself The woman who's free redirects that energy toward healing, not controlling. NO MORE "WHAT IFS" Stop asking: "What if I gain weight?" "What if people notice?" "What if this doesn't work?" Start asking: "What if I stay exactly here for 5 more years?" "What if I miss life events obsessing over menus?" "What if I spend my golden years counting calories instead of making memories?" The "what ifs" that should terrify you are about wasting more precious life. NO MORE "I'LL DO IT LATER" You know the truth about "someday"—it doesn't exist. You've been saying "someday" for how long? One year? Five? Twenty? Recovery doesn't happen in perfect timing. Recovery creates perfect timing. NO MORE AGE EXCUSES "I'm too old to change." "I should have figured this out by now." "It's too late for me." Truth: You are never too old to reclaim your life. Age doesn't disqualify you from healing—it makes you wiser about what matters. The woman at 25 who recovers and the woman at 55 who recovers both get the same prize: their life back. THE EVICTION NOTICE Write this to your eating disorder voice: "Dear Eating Disorder Voice: Your lease is up. You've been living rent-free in my brain for [X] years, but your tenancy ends today. You are no longer welcome here. Signed, The Woman Who Says No More." KEY QUOTES

Send us Fan MailOn Episode 95 of The Plant Movement Podcast, Keith Crouse of Howard and Son Farms returns for his second appearance on the show to share a practical, no-nonsense look at what it takes to build a nursery from the ground up.Keith balances life as a firefighter while growing Howard and Son Farms, a nursery operation focused on liner production, propagation, and continuous improvement. In this episode, he pulls back the curtain on everything from greenhouse construction and irrigation management to financing growth, hiring employees, calculating plant costs, and building a nursery business that can scale.This conversation is packed with actionable advice for growers, nursery owners, landscapers, and entrepreneurs looking to understand the realities of operating a successful nursery.Topics include:

Calculating.  Conniving.  Scoundrel.  Jacob certainly started out rough on his journey of faith.  But his life ended well, showing that hard lessons learned the hard way still bear fruit for Father's kingdom.

Cole Tilbury from The Professional Builder and Paul Sanneman from Contractor Staffing Source attack the operational mistake of trying to scale volume before plugging foundational system leaks. Owners regularly attempt to implement fifteen isolated systems at once while handling Sunday evening admin, ultimately stalling their business around $8 million in revenue because they lack a core operating structure.To resolve this friction, Cole introduces the ICE Filter to score and prioritize high-impact systems. He pairs this with the Professional Builder's Rate to ruthlessly delegate tasks falling below the owner's true hourly value. By shifting focus from swinging a hammer to tracking accountability, builders can safely step out of the daily operations and buy back 12 hours a week. Paul Sandeman also details how a flat-fee hiring process achieves a 94 percent success rate, entirely eliminating the $40,000 cost of a bad employee. Links & Resources: The Profitable Builder's Playbook: https://profitablebuilderbook.com/ Contractor Staffing Source: https://contractorstaffingsource.com/ Fathom HQ: https://www.fathomhq.com/ Timestamped Key Points: 03:45 The actual cost of flipping a coin on a bad hire and losing $40,000. 13:47 Escaping the operational trap of reconciling accounts on a Sunday evening. 26:11 Why trying to implement 15 isolated systems at once guarantees complete failure. 41:50 Calculating your Professional Builder's Rate to identify the exact admin tasks you must delegate. 53:54 Using a traffic light system to audit your current operating procedures and identify missing personnel. 59:05 Sending a Wow InfoPack to pre-sell clients on your specific timeline and quality standards. 01:03:55 Deploying the ICE Filter to score and execute your highest leverage systems. https://www.facebook.com/groups/TPBmember: https://www.facebook.com/TheProfessionalBuilderSee omnystudio.com/listener for privacy information.

If you're not accurately calculating your landed costs, your apparel brand could be losing money without you even realizing it.  In this episode of the Business of Apparel podcast, Rachel explains exactly what landed cost means and how to calculate it for apparel products in a simple, practical way. She shares why understanding the true cost of producing and importing your garments is essential for protecting your margins and building a profitable business.

Send us Fan MailWelcome back to Laundromat Resource! In today's episode, Jordan Berry dives deep into one of the most common—and most misunderstood—questions in the laundromat industry: How many laundromats do you ACTUALLY need to retire? Forget the hype and unrealistic Instagram goals. Jordan Berry breaks down the real math behind financial independence, covering everything from defining your personal “FI” (financial independence) number to calculating net operating income, dealing with loans, and understanding how factors like market, operating costs, and business size impact your path to retirement. Whether you want a bare-bones lifestyle or full-blown freedom, this episode will give you practical tools to figure out your own number—and avoid building yourself straight into a stressful second job. If you're ready for honest, no-fluff advice on using laundromats to fund your future, you're in the right place!In this episode, Jordan Discuss:00:00 Finding financial freedom05:58 Understanding Lean, Normal, and Fat FI06:57 Personalizing Your Financial Independence Number13:17 Real estate vs. laundromat investing14:44 Financing a Laundromat Purchase18:10 Calculating laundromat investment value21:32 Buying my first laundromat23:36 Laundromat valuation differences29:37 Free strategy call offer30:41 Encouraging subscribers to joinFree Strategy Zoom Call with Jordan:https://calendly.com/laundromatresource/free-strategy-call?back=1

Don and Tom tackle a Wall Street Journal financial decision-making quiz that explores how to prioritize competing goals such as retirement savings, high-interest debt, mortgages, and student loans. The discussion highlights the importance of employer matching contributions, the damaging impact of credit card debt, and the reality that many financial decisions depend on individual circumstances and risk tolerance. They then answer listener questions about retirement portfolio allocation, Fisher Investments' sales tactics and fees, stock ownership concentration among wealthy Americans, and whether a federal retiree should consolidate TSP assets into a Vanguard IRA. The episode emphasizes building a financial plan before making allocation changes, avoiding market predictions, and simplifying finances where possible.0:00 Wall Street Journal financial decision-making quiz begins1:23 Prioritizing 401(k) matches versus high-interest debt4:31 When to pay down credit cards instead of investing more5:20 Borrowing from a 401(k) to eliminate 22% credit card debt6:07 Mortgage payoff versus other debt reduction strategies7:55 Mortgage prepayment versus additional retirement savings9:35 Building a hierarchy for financial priorities11:07 Listener Bob asks about retirement readiness and portfolio allocation13:02 Fisher Investments' fees, sales tactics, and active management claims16:15 Why retirement planning should come before allocation decisions19:40 Stock ownership concentration among the wealthiest Americans22:03 Why markets are not a zero-sum game23:51 Will retiring Baby Boomers hurt stock prices?25:52 Listener asks about consolidating TSP and Vanguard retirement accounts29:18 Comparing Vanguard and TSP target-date fund allocations31:57 Benefits of simplifying and consolidating retirement accounts35:06 Don discusses sales and distribution of The Line UncrossedQuestions? Comments? Click!

In the same way we considered our carbon foorprint we need to consider our data footprint ... we need to consider what environmental destruction are product choices are making ... 

Why High Earners Still Feel Financially Stressed Making more money does not automatically solve financial anxiety. In this episode of The Budgetdog Breakdown, I answer real listener questions covering house poverty, retirement investing, market volatility, emergency funds, financial psychology, and how couples can get aligned with money. We break down the math behind mortgage affordability, why so many people panic during market drops, how childhood experiences shape your financial behavior, and what it actually takes to feel financially secure. This episode is about building systems that create confidence instead of chaos. Episode Timeline and Highlights 00:00 Why systems matter more than motivation 00:18 House poor after buying a home 04:37 Understanding the true value of a 401(k) 06:36 Prioritizing multiple financial goals 09:11 Market volatility and investor psychology 12:02 Childhood money trauma and behavior patterns 14:11 Buying a home in today's market 16:12 Financial transparency in marriage 19:37 Calculating financial freedom and retirement Key Takeaways • Financial anxiety usually comes from lacking clarity • Mortgage approval is not the same as affordability • Market volatility is normal and expected • Financial behavior is heavily tied to psychology • Systems reduce stress and improve long-term outcomes • Automation creates consistency and confidence Quotables "Wealthy people are not wealthy because they win every day. They use systems that make losing hard." "Market volatility is temporary. Panic is what makes losses permanent." "More income without a system still creates chaos." The goal is not just to make more money. The goal is to build a financial system that gives you confidence, clarity, and long-term freedom.

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The new federal student loan regulations are about to throw a wrench into grad and professional borrowers' repayment options, and we're tackling some of the most pressing questions borrowers are calling in with. We break down why one loan disbursed after July 2026 can flip somebody from a clear forgiveness path to being stuck in a repayment plan that costs you double (or more). You'll also learn strategies for handling PSLF account issues, navigating income certification if your income drops, and the mental health toll all these changes might take. Key moments:(01:23) Why a single loan disbursed after July can potentially double your total repayment(08:54) Using pay stubs vs. tax returns to certify IDR plan income(15:26) Mental health, financial hopelessness, and why no student loan situation is truly unrecoverable(24:21) Calculating physician debt-to-income ratio for PSLF as a resident vs. attending(28:53) Why federal loan caps will trigger chaos in grad school funding and may force program closures or major tuition shiftsLike the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple PodcastsSubscribe to the newsletterJoin SLP Insiders for student loan loopholes, SLP app and member communityFeeling helpless when it comes to your student loans?Try our free student loan calculatorCheck out our refinancing bonuses we negotiatedBook your custom student loan planGet profession-specific financial planningDo you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!Mentioned in this episode:Tips I Can't Share PubliclyGetting our free newsletter? Upgrade your experience and discover student loan loopholes so good, they might get repealed if I talk about them publicly. Find out my very best thought leadership that I really just can't be open about anymore, unfortunately. If you want to get our very best tips, not just the ones that I can share for free. Go to studentloanplanner.com/insider to get a special discount for your year membership. Want more? Check out our other podcastStarting to think beyond your student loans? Check out our other show, Financially Free Era. It's about what comes next, investing, building wealth, and designing a life you actually want. Find "Financially Free Era by SLP Wealth" in your podcast app.

Calculating severance pay in Canada requires understanding the difference between statutory minimums and common law reasonable notice. In this episode, employment lawyer Brady Farmer explains how age, position, and length of service determine what an employee is truly owed. Key Takeaways: - The difference between the "floor" of statutory law and the "ceiling" of common law. - Why the "one month per year" rule is actually a myth. - How the duty to mitigate can lower an employer's total payout. - The stark contrast between Canadian notice requirements and US "at-will" employment. 00:00 Defining statutory vs common law severance 02:13 How common law fills legislative gaps 03:15 Debunking the one month per year myth 03:56 Four factors for determining notice periods 05:54 Understanding the employee duty to mitigate 08:23 Strategies to encourage employee mitigation 11:13 Are termination clauses actually enforceable? 17:42 Why releases require extra consideration 19:04 Anatomy of a proper termination letter 23:41 Canada vs US employment law differences **Find Brady Farmer** Website: https://www.matthewsdinsdale.com/ LinkedIn: https://www.linkedin.com/in/brady-farmer- **Find Andrea (me)** Website: https://thehrhub.ca/ LinkedIn: https://www.linkedin.com/in/andrea-adams1/

Simplifying Health for a Hectic Life. In this episode, Dillan breaks down a straightforward, actionable lens to approach nutrition, the concept of a health report card and GPA. It is tailored specifically for busy parents and professionals. He emphasizes gradual systemization, focusing on foundational habits that lead to sustainable health improvements despite hectic schedules.Key Topics:The concept of a "report card" for health, grading yourself on whole foods, hydration, protein intake, sleep, calorie tracking, movement, stress management, and supplements.The importance of focusing on quality over quantity—choosing whole, single-ingredient foods, high-quality fats, proteins, and hydration.The analogy of your body as a house built with quality materials—better ingredients lead to better health outcomes.Practical steps to upgrade daily habits, such as swapping to better coffee, choosing high-quality eggs, and reading labels critically.How to determine your daily "GPA" for health and where to focus efforts for the biggest impact.The misconception that carbs, fats, or supplements alone determine health; instead, consistency in foundational habits is key.Setting systems—creating meal plans, shopping lists, and routines that make healthy choices effortless.The significance of tracking, tweaking, and systemizing habits to generate long-term health benefits.The influence of environment and habits as models for children's behaviors.Strategies for managing stress, sleep, and recovery in a busy, demanding life.Resources & Links:Limitless Theory AppMy Free Recovery Ebook for Busy ParentsWHOOP Fitness TrackerAmazon: The Complete Guide to Fats by Dr. SmithTimestamps:00:00 - Introducing the Busy Parent Nutrition Blueprint03:30 - Parental Overload and prioritizing big rocks: health as a foundational element05:00 - The report card approach: grading your health across key habits06:30 - The importance of quality food: whole foods, hydration, and protein09:30 - The fallacy of quick fixes: mastering fundamentals for lasting health11:00 - How body quality reflects the effort and ingredients put into it14:00 - How to find your GPA: assessing your habits and setting improvement targets17:50 - Calorie intake: understanding your basal metabolic needs and activity levels19:00 - Movement and mobility: walking, strength, and injury prevention20:50 - Stress management: breathing, meditation, social time22:00 - Supplements and micronutrients: targeting deficiencies through labs and quality products23:30 - Sample report card: identifying weak areas and creating targeted plans25:00 - Quality food focus: organic, pasture-raised, wild-caught27:00 - Reading labels: the 5-5-5 rule for carbs, protein, and fiber28:30 - Balancing quantity and diversity: seasonal eating, colorful plates, macro balance30:00 - The fallacy of "cutting carbs," Protein's role in aging, muscle, and metabolism33:00 - Healthy fats: olive oil, avocados, nuts, seeds—quality counts37:00 - How to implement small, sustainable swaps for better quality ingredients in your daily dietary habits38:30 - Managing portion sizes and understanding calorie versus nutrient quality41:00 - Macro- and micronutrient timing: pre and post-workout nutrition strategies43:00 - Myths around fats and carbs—clarifying misconceptions45:50 - Why fats do not make you fat—brain health, hormones, longevity46:50 - Reading food labels effectively: the 5-5-5 rule49:00 - Calculating your daily calorie needs based on BMR and activity level50:30 - Why gradual change beats crash dieting—seasons and small shifts51:20 - Understanding emotional overeating: stress, decision fatigue, and habit traps52:15 - How sleep, portion control, and environment influence intake54:00 - Building systems: meal planning, prepping, and convenience hacks56:00 - Final tips: tracking, adjusting, and maintaining consistency

Jadah Hanna continues Week 2 of the series "LIMINAL" by sharing words of wisdom and encouragement with those who have recently graduated or experienced a life transition, and may not know what's next.

Download your free personalized $100M scaling roadmap in under 30 seconds: https://www.acquisition.com/roadmap?el=yt-alex-486r&htrafficsource=youtubeBigger businesses demand bigger tradeoffs, but most business owners just don't want to pay them. In this episode, Alex coaches six business owners through the real bottlenecks stopping them from scaling. He breaks down why inbound and outbound sales teams should never mix, why premium businesses require premium talent, and why the fastest way to grow is often killing the thing that made you successful in the first place.In this episode00:00 The real cost of scaling from $6M to $100M07:14 Raising prices to fund staffing needs10:46 Outreaches to get more “whale” HVAC partners12:52 Building the dream team to handle high-end clients18:18 Lead generation strategies for a roofing company26:41 Doubling down on networking to generate more leads27:55 Calculating the opportunity cost of exiting a businessMore Value:Join The Live Scaling Workshop In Las Vegas: https://www.acquisition.com/o-vegasDownload your free personalized $100M scaling roadmap in under 30 seconds: https://www.acquisition.com/roadmap?el=yt-alex-486r&htrafficsource=youtubeDiscover The Easiest Business I Can Help You Start (Free Trial): https://www.skool.com/hormoziFree Books and Video Courses: https://www.acquisition.com/trainingGet the $100M Book Bundle: https://shop.acquisition.com/pages/100m-book-bundleFollow Alex Hormozi's Socials:⁠⁠LinkedIn ⁠⁠ | ⁠⁠Instagram⁠⁠ | ⁠⁠Facebook⁠⁠ | ⁠⁠YouTube ⁠⁠ | ⁠⁠Twitter⁠⁠ | ⁠⁠Acquisition ⁠DISCLOSURE Information shared here is for educational purposes only. Individuals and business owners should evaluate their own business strategies, and identify any potential risks. The information shared here is not a guarantee of success. Your results may vary. Copyright © 2026.

In this episode, I explain the basics of IAS 36 impairment. We start with the key idea: an asset is impaired when its carrying value is more than its recoverable amount. I'll talk you through the terminology, the logic, and the numbers, so it starts to feel manageable rather than messy.You'll learn how to calculate an impairment loss, how to account for it, and what happens when the asset has previously been revalued. We also look at reversals of impairment losses and one phrase I never want to see in an exam answer: “impairment gain”. Let's face it, impairment gets examined, so let's make sure you can pick up the marks.Thanks for listening to this episode of ACCA Tom Clendon's SBR Podcast.If you'd like to view the exam question on screen and see my working, subscribe to the YouTube Channel: https://www.youtube.com/@tomclendonSBR.For access to on-demand support and guidance for your ACCA SBR Journey, visit my website to see my current course offering: https://tomclendon.co.uk/.Chapters:(00:00) IAS 36 impairment basics(01:21) When an asset is impaired(01:36) Recoverable amount: fair value vs value in use(03:32) Judgement and estimates in value in use(05:20) Calculating and recording an impairment loss(06:30) When to perform an impairment review(08:03) Links to IFRS 18, IAS 7 and IAS 12(12:03) Why IFRS 9 financial assets are different(12:33) No such thing as an impairment gain(13:44) Impairment of revalued assets(16:01) Reversal of impairment losses(17:01) Worked examples and exam technique

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3351: Jesse Cramer challenges the popular idea of investing your emergency fund by reframing what that money is truly meant for: peace of mind and immediate security. He argues that if you're willing to risk part of it, then that portion was never truly an emergency fund to begin with. This perspective helps clarify how to separate safety from growth so you can make smarter, less stressful financial decisions. Read along with the original article(s) here: https://bestinterest.blog/should-you-invest-your-emergency-fund/ Quotes to ponder: "An emergency fund is the minimum amount of cash you need to sleep well at night." "The investing timeline of an emergency fund is zero days." "Only the money you're not willing to lose constitutes your emergency fund." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3351: Jesse Cramer challenges the popular idea of investing your emergency fund by reframing what that money is truly meant for: peace of mind and immediate security. He argues that if you're willing to risk part of it, then that portion was never truly an emergency fund to begin with. This perspective helps clarify how to separate safety from growth so you can make smarter, less stressful financial decisions. Read along with the original article(s) here: https://bestinterest.blog/should-you-invest-your-emergency-fund/ Quotes to ponder: "An emergency fund is the minimum amount of cash you need to sleep well at night." "The investing timeline of an emergency fund is zero days." "Only the money you're not willing to lose constitutes your emergency fund." Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3351: Jesse Cramer challenges the popular idea of investing your emergency fund by reframing what that money is truly meant for: peace of mind and immediate security. He argues that if you're willing to risk part of it, then that portion was never truly an emergency fund to begin with. This perspective helps clarify how to separate safety from growth so you can make smarter, less stressful financial decisions. Read along with the original article(s) here: https://bestinterest.blog/should-you-invest-your-emergency-fund/ Quotes to ponder: "An emergency fund is the minimum amount of cash you need to sleep well at night." "The investing timeline of an emergency fund is zero days." "Only the money you're not willing to lose constitutes your emergency fund." Learn more about your ad choices. Visit megaphone.fm/adchoices

What You'll Learn In This Episode: Why most chiropractic team meetings don't work (and actually hurt morale) The hidden danger of “crisis-only” meetings The 3-part filter every agenda item must pass: Does it help the patient? Does it help the team? Does it make the practice money? The 3 core functions of effective meetings: Calculating (tracking performance) Commending (recognizing wins) Clarifying (eliminating confusion) How to use a daily checkout sheet to capture real-time issues without interrupting patient care The power of “diplomatic immunity” to create honest team communication A simple communication hack:

With less than six months until the 2026 midterm elections, the battle for congressional majorities continues to intensify. Following a pivotal Supreme Court decision on Louisiana's redistricting maps, the door has swung open for a new phase of "mid-decade redistricting" that could reshape the House. Bruce Mehlman, founder of Mehlman Consulting, joins the Rundown to talk about the factors that will determine the next congressional majority. Using phones in classrooms has become a heated issue over the years, but is there a root cause that points to a deeper societal problem? Certified Family Therapist and Founder of “The Listening Path,” Christine Miles, joins the Rundown to discuss why inept listening skills are crippling about ability to connect. That is a core tenet in her book titled, What Is It Costing You Not to Listen?: The Power of Understanding to Connect, Influence, Solve & Sell. PLUS, commentary by Jason Rantz, the author of What's Killing America, and the host of The Jason Rantz Show.  PHOTO CREDIT: ASSOCIATED PRESS Learn more about your ad choices. Visit podcastchoices.com/adchoices

With less than six months until the 2026 midterm elections, the battle for congressional majorities continues to intensify. Following a pivotal Supreme Court decision on Louisiana's redistricting maps, the door has swung open for a new phase of "mid-decade redistricting" that could reshape the House. Bruce Mehlman, founder of Mehlman Consulting, joins the Rundown to talk about the factors that will determine the next congressional majority. Using phones in classrooms has become a heated issue over the years, but is there a root cause that points to a deeper societal problem? Certified Family Therapist and Founder of “The Listening Path,” Christine Miles, joins the Rundown to discuss why inept listening skills are crippling about ability to connect. That is a core tenet in her book titled, What Is It Costing You Not to Listen?: The Power of Understanding to Connect, Influence, Solve & Sell. PLUS, commentary by Jason Rantz, the author of What's Killing America, and the host of The Jason Rantz Show.  PHOTO CREDIT: ASSOCIATED PRESS Learn more about your ad choices. Visit podcastchoices.com/adchoices

With less than six months until the 2026 midterm elections, the battle for congressional majorities continues to intensify. Following a pivotal Supreme Court decision on Louisiana's redistricting maps, the door has swung open for a new phase of "mid-decade redistricting" that could reshape the House. Bruce Mehlman, founder of Mehlman Consulting, joins the Rundown to talk about the factors that will determine the next congressional majority. Using phones in classrooms has become a heated issue over the years, but is there a root cause that points to a deeper societal problem? Certified Family Therapist and Founder of “The Listening Path,” Christine Miles, joins the Rundown to discuss why inept listening skills are crippling about ability to connect. That is a core tenet in her book titled, What Is It Costing You Not to Listen?: The Power of Understanding to Connect, Influence, Solve & Sell. PLUS, commentary by Jason Rantz, the author of What's Killing America, and the host of The Jason Rantz Show.  PHOTO CREDIT: ASSOCIATED PRESS Learn more about your ad choices. Visit podcastchoices.com/adchoices

Book a call: https://remnantfinance.com/calendar Out Print the Fed with a 1% target per week: https://remnantfinance.com/optionsEmail us at info@remnantfinance.com or visit https://remnantfinance.com for more informationFOLLOW REMNANT FINANCEYoutube: @RemnantFinance (https://www.youtube.com/@RemnantFinance)Facebook: @remnantfinance (https://www.facebook.com/profile.php?id=61560694316588)Twitter: @remnantfinance (https://x.com/remnantfinance)TikTok: @RemnantFinanceDon't forget to hit LIKE and SUBSCRIBE_____________________________In this episode, Hans returns for Part 2 of the IBC Masterclass, picking up where the first conversation left off. If Part 1 was about understanding what cash value actually is, this episode is about why your policy is structured the way it is, why you can't just dump everything into PUA, and what a real whole life illustration actually looks like line by line.Chapters: 00:00 – Opening segment 03:35 – A brief history of the Modified Endowment Contract (MEC) 07:20 – Section 7702 and the tax benefits that make whole life work 10:35 – The arbitrary 7-year test and how Congress drew the line 17:45 – Why faster payment timeframes require larger premiums 20:30 – Visualizing the MEC line: where the IRS draws the boundary 24:15 – The consequences of MECing a policy (losing your tax benefits) 27:20 – Introducing the term rider: the third type of premium 29:40 – How a small term premium raises your MEC ceiling 31:50 – The 50/50 vs 20/80 tradeoff and when term riders are needed 35:50 – Reading the premium breakdown page 36:50 – Guaranteed vs non-guaranteed sides of the ledger 38:20 – The three assumptions baked into every illustration 45:50 – When your dividend exceeds your base premium 46:30 – Calculating year-over-year growth as a "savings rate" 50:20 – Why you never want premium payments to stop 53:20 – Closing segmentKey Takeaways:Whole life insurance is so powerful that financial services firms had to lobby Congress to restrict it. In the 1980s, money flooded into whole life because CPAs were directing wealthy clients to use single-pay policies as a tax-favorable wealth transfer tool. Mutual fund companies, losing market share, lobbied for what became the 1988 TAMRA legislation and the Modified Endowment Contract rules. The MEC line is the boundary your agent is structuring around. Section 7702A says that if you pay up your death benefit faster than seven years, your policy loses its life insurance tax treatment and becomes a Modified Endowment Contract. Once “MEC'd”, you cannot reverse it. Policy loans, cash value growth, and dividends all become taxable. The term rider exists to expand your PUA allowance. By adding a small amount of term premium (often a few hundred dollars), you buy a large chunk of additional death benefit cheaply. That raises the MEC ceiling, which lets you pay more PUA premium without crossing the line.The more you dial down base in favor of PUA, the more term you need. A 50/50 policy usually doesn't need a term rider. A 20/80 structure does. The tradeoff: more PUA means faster cash value, but it requires more careful structuring to stay under the MEC line.A properly structured policy hits profitability fast. In the Jinx McCashValue example, the policy generates more cash value than premium paid by year three. By year 17, $20,000 of premium creates $41,000 of cash value growth in a single year. By age 65, the dividend alone exceeds the entire annual premium.You should want to keep paying premium for as long as possible. Once your dividend exceeds your premium, every additional payment is a deeply discounted purchase of future tax-free growth. Hans frames this as capitalizing your system, not funding an expense. The day you have to stop paying is the day to be sad, not the day you've been waiting for.

In this episode, I am once again joined by Jensen Martin, a scholar-practitioner and PhD student at the Graduate Theological Union in Berkeley, California. Jensen leads a deep dive into Narasiṃha, compares different version of the Narasiṃha myth, and examines contradictions in the tradition. Jensen reveals his motive for pursuing a PhD, describes his plans for a meditation retreat as part of the project, and reflects on what he sees as a crisis in academia. Jensen also discusses the relevance of Narasiṃha to today's world situation, the terror of dissolution, and the advantages of being an outsider. … Video version: https://www.guruviking.com/podcast/ep359-narasimha-the-lion-man-jensen-martin-2 Also available on Youtube, iTunes, & Spotify – search ‘Guru Viking Podcast'. … Topics include: 00:00 - Intro 00:47 - Jensen's PhD about Narasiṃha 02:27 - Caveats and disclaimers 04:26 - Relevance of Narasiṃha to today's world situation 07:54 - Story of Narasiṃha 25:59 - Uniqueness of Narasiṃha 29:00 - Calculating the yuga 33:46 - Interstellar travel and kriya yoga 37:15 - Reconciling myths with historical evidence 37:15 - Soifer and comparing the Narasiṃha myths 50:06 - Star Wars canon 51:55 - 1000 years of narrative development 56:03 - How Narasiṃha is most commonly seen today 01:01:49 - Many different schools 01:02:50 - The advantages of being an outsider 01:06:09 - Jensen is motivated by awakening 01:08:42 - Narasiṃha meditation text 01:15:15 - Oral tradition 01:20:12 - Dhruva Gorrick and visions of Narasiṃha 01:23:43 - Terror of dissolution 01:28:42 - The Cult of Janagannath 01:34:14 - The benefit of worshipping Narasiṃha 01:42:28 - What Narasiṃha means to Jensen 01:45:29 - Jensen's goal is to find out what Narasiṃha means today 01:47:21 - Contradictions in the tradition 01:48:35 - How Jensen will proceed with his PhD and a practice focus 01:49:37 - The danger of moving too fast 01:52:43 - Jensen's retreat curriculum 02:00:09 - Learning Hindi 02:01:58 - Academic lineage and a flexible programme 02:03:12 - Future plans and financial crisis in academia … Previous episode with Jensen Martin: - https://www.guruviking.com/search?q=jensen To find our more about Jensen Martin visit: - https://www.instagram.com/jensen_sudarshan/ For more interviews, videos, and more visit: - https://www.guruviking.com Music ‘Deva Dasi' by Steve James

Should you invest in a freelancer directory? In this episode of the Freelancers Tea Break, host Emma Cossey breaks down the pros and cons of joining directories as a freelancer from boosting your SEO and local visibility to knowing when your money is better spent elsewhere. In this episode, you'll learn: Why directories can be especially valuable when you're new to freelancing Which directories have been worth the investment (and which haven't) What to look for in a good directory listing How to figure out if your ideal clients are actually searching directories Key questions to ask before signing up, including ratings, competition, and promotion How to calculate whether a directory will give you a return on investment Timestamps: 0:00 - Introduction 0:38 - Why directories are great for new freelancers 1:45 - Directories that have been worth it 3:53 - What to look for in a good directory 4:58 - Considering the cost and extras 5:43 - Will your ideal clients find you there? 7:06 - Ratings, competition & asking around 8:45 - Calculating your return on investment   Directories I use: Berkshire Mummies Directory , The Freelancer Magazine Directory and IPSE (referral link for 10% off) Follow me on Instagram Follow me on Bluesky Email: hello@emmacossey.com  Come join us in the free Freelance Lifestylers Facebook group Want more support? Check out the Freelance Lifestyle School courses and membership. Join the Freelance Lifestyle Discord Community: https://discord.gg/RKYkReS5Cz Order my book: The Freelance Lifestyle: Your Friendly Guide to Starting a Freelance Business

In this episode of Fire Ecology Chats, Fire Ecology editor Bob Keane speaks with Jeff Chandler and Solomon Dobrowski about capturing the full spread of fire attributes from the past and comparing it to present-day wildfires.Full journal article can be found at https://link.springer.com/article/10.1186/s42408-026-00447-x

Heart disease kills more women than all cancers combined, but symptoms are often missed because diagnostic tools were designed for men. Health journalist Meghan Rabbitt talks to Liz about why medicine has been getting women's health wrong for decades and how to protect ourselves.They discuss how the differences in the female body require a more nuanced approach to healthcare, and how heart attack symptoms in women can be more subtle.Meghan also explains how menopause can increase our risk of heart disease, dementia and autoimmune conditions – and the practical steps we can take to safeguard our health at every age. In this episode:· Why healthcare isn't a one-size-fits-all approach· The link between low oestrogen and Alzheimer's· Why HRT might protect you from heart disease· Calculating your breast cancer risk· Ways to future-proof your health Links mentioned in the episode:· NHS shared decision-making· Calculating your breast cancer risk · Lily Earle chronic pain coachingMore from Meghan:· Follow Meghan on Instagram· The New Rules of Women's HealthGet in touch with a question for Liz:· Email: podcast@lizearlewellbeing.com· WhatsApp: 07518 471 846 More from Liz:• Order Liz's new book – How to Age• A Better Second Half• Follow Liz on Instagram• Follow Liz Earle Wellbeing on Instagram Some links may be affiliate links, which help support the show at no extra cost to you. Read our Affiliate Policy for more information. Hosted on Acast. See acast.com/privacy for more information.

You can be fully booked and still feel like you're starting over every January.That gap — between staying busy and actually building something — is exactly what this episode is about. So many wedding planners and coordinators invest in client-facing upgrades while quietly avoiding the one investment that compounds over time: their own professional development.Matt Mitchell, Co-Founder and CEO of Event Ledger — a bookkeeping and advisory firm built specifically for event professionals — joins Senior Educator of the CWP Society, Krisy Thomas to talk about why that pattern exists and what it's actually costing us. Matt has been on both the planning side and the finance side, which means he doesn't just understand the numbers — he translates them into real wedding-world decisions.Together, they dig into why education gets treated like a reward instead of a business strategy, how "creative martyr syndrome" keeps planners undervaluing their own growth, and what it really looks like to take professional development seriously before another year slips by.Matt shares three straightforward ROI tests to use before saying yes to any certification or masterclass — can it support a 5% pricing increase, will it save you hours per project, and will it help you avoid the kind of costly mistakes that quietly damage your referral reputation. He also gets concrete about what a financially healthy wedding planning business actually looks like: paying yourself consistently, planning for taxes, understanding your net profit margin, and knowing your effective hourly rate so that being "busy" doesn't quietly become burnout.If you're ready to stop pricing on instinct and start building real authority in this industry, this one's for you.Subscribe, share this episode with a planner friend, and leave a review so more event professionals can find it. And ask yourself: what's the next investment you're willing to make in your own career?www.cwpsociety.com | info@cwpsociety.com | IG: @cwpsociety | FB: @cwpsociety

PRESENTED BY: GPRS Construction professionals know that utilities and concrete reinforcements can cause big problems when you're on the job. GPRS helps you avoid them. We use ground penetrating radar to detect rebar, conduit, and post tension cables before you cut, core, or drill. And our concrete scans are 99.8% accurate - we guarantee it - helping you reduce hits, downtime, expenses, and keep your people safe. To keep your jobsite safer, visit: https://www.concretelogicpodcast.com/GPRS SUMMARY Last episode, Dr. Jon Belkowitz walked through how to build a concrete mix design on paper. This episode picks up where that left off. Because a design mix is not the same thing as a batch mix. Dr. Jon breaks down the final adjustments that have to happen before that mix can actually be used in production, including moisture corrections, free water, and admixture dosages. If you have ever wondered how a mix goes from a neat set of numbers on paper to something a plant can actually batch, this episode clears it up. WHAT YOU'LL LEARN Why a design mix is not the same as a batch mix How aggregate moisture changes your sand and rock weights What “free water” really means and why it matters How moisture in the aggregates affects water-cement ratio How to calculate the water coming from sand and stone How admixture dosage is calculated from cement content Why admixtures also add water to the mix How to calculate final batch water What the final adjusted batch mix looks like Why contractors and engineers should understand this math even if the plant computer does it for them CHAPTERS 00:00 - Intro and how to support the show 02:15 - Why people are actually using the podcast on the job 02:36 - Concrete Logic Academy and PDHs 03:36 - Picking up where the last mix design episode ended 04:22 - What has to change to move from design mix to batch mix 05:44 - The project assumptions for this slab mix 06:28 - Where moisture content and absorption values come from 08:13 - Adjusting sand weight for moisture 10:54 - Adjusting rock weight for moisture 12:05 - What free water is and why it affects your mix 13:24 - Calculating free water from the sand 14:33 - Calculating free water from the rock 15:24 - Admixture dosage explained 16:16 - Calculating admixture ounces per cubic yard 17:28 - Calculating how much water the admixture brings 18:47 - Final batch water calculation 19:34 - Final adjusted batch mix 20:38 - What happens next at the plant 21:03 - Why admixtures are mostly water 24:51 - Withholding water and adjusting slump at the plant 26:53 - How admixture dispensing systems work 29:25 - Wrap-up and what to cover next time GUEST INFODr. Jon Belkowitz Intelligent Concrete Website: https://www.concretelogicpodcast.com/intelligent-concrete CONCRETE LOGIC ACADEMY Got a concrete problem no one can explain? Bring it to the Concrete Logic Academy. Ask questions. Share what you're seeing. Get real answers you can use on the next pour. Simple as that. Free trial for pros here: https://www.concretelogicpodcast.com/pro SUPPORT THE PODCAST If this episode helped you... If you learned something... If it made you think differently... Support the show here: https://www.concretelogicpodcast.com This podcast runs on Value for Value. Give whatever you think the episode was worth. PARTNERS KUIU (performance gear Seth actually uses): https://www.concretelogicpodcast.com/kuiu Interested in advertising or working with us? Email: seth@concretelogicpodcast.com CREDITS Producers: Joseph Swann, Jodi Tandett & Concrete Logic Media Music by Mike Dunton: https://www.mdunton.com/ WHERE TO FIND CONCRETE LOGIC Website: https://www.concretelogicpodcast.com YouTube: https://www.youtube.com/@concretelogicpodcast LinkedIn: https://www.linkedin.com/in/sethtandett/ Instagram: https://www.instagram.com/concretelogicpodcast/

Salaries at home are confusing enough to calculate after taxes, but they're even more confusing when you're abroad and have no knowledge of local rates and labor laws! Today we'll meet one such confused employee wondering why a substantial portion of their pay has been docked. Learn all about calculating salaries after taxes and vacation days in this upper-intermediate lesson. Episode link: https://www.chinesepod.com/1941

Allie and Quint talk through building a personal net worth statement and what should be included. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

☎️ Book Your COMPLEMENTARY CONSULTATION and CALORIE CALCULATION Call: https://calendly.com/d/2p8-mxx-dgf/free-consultation-call-zoom⁠⁠⁠⁠⁠⁠You've been trying to eat better.More protein.Fewer carbs.Tracking your food.Staying within your calories.And yet… the scale isn't moving.In this episode, I break down why it's not just about calories — it's about the signals your macros send inside a perimenopausal and menopausal body.Protein, carbs, and fat all have very specific jobs. And when those signals are off, your body can favor storage — even if you're not overeating.We're covering:• What each macro actually does after 40• Why online macro calculators often miss the mark• How to calculate what you actually need• Simple strategies to hit your targets without obsessing or feeling stuffed at 8:30pm trying to choke down 30g of proteinIf you've been tracking and still not seeing results, this episode will help you stop guessing and start fueling strategically.

The age of exploration altered the course of human history, but how did early explorers find their way? Calculating their latitude at sea was a relatively straightforward proposition, but calculating longitude presented a vexing problem. Given the big power competition for colonies, conquest, and riches, the search to discover an accurate means of assessing longitude became a scramble. A major piece of the puzzle lay in the accurate assessment of time on a rocking vessel, which tested the ingenuity of the most creative clock makers. With me to discuss the history of the technologies associated with the measurement of longitude is Emily Akkermans. Emily is the Curator of Time at Royal Museums Greenwich, which includes the Royal Observatory Greenwich. The observatory is Britain's oldest purpose-built scientific institution, and it just celebrated its 350th anniversary - which is the impetus for this episode. The observatory is the birthplace of modern astronomy and the home of Greenwich Mean Time and the Prime Meridian.

In this episode of Riff Worship, we dive deep into the origin story and explosive impact of The Dillinger Escape Plan's 1999 debut full-length, Calculating Infinity!Born out of the ashes of the New Jersey band Arcane, Dillinger set out to create something deliberately alienating and strange by blending elements of free-jazz, progressive metal, and new-school hardcore.We explore the challenging and tragic circumstances that shaped the record, including the sudden departure of key members, Ben Weinman tackling nearly all the guitars and bass arrangements himself, Chris Pennie pushing his drumming to inhuman speeds and skill, and the 14-day recording sessions at Trax East with producer Steve Evetts.From setlist staples like “Sugar Coated Sour” and “43% Burnt” to the wildly experimental “4th Grade Dropout,” please join us in celebrating a metalcore classic!Recommendations:The Dillinger Escape Plan - Irony Is a Dead SceneCrouch - Breaking The Catatonic StateANGELL - UnveiledHarm's WayConvicted - No Compassion No RemorseDouble Crossed - Your Attitude BitesFew and the Proud - StampedeWolfnote - Demo 2013XweaponX - Weapon X DemoFollow Riff WorshipInstagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/riffworshippod/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Twitter: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://x.com/RiffWorshipPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠YouTube: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/@RiffWorshipPod⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Check out our Official Playlists:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Riffs on Repeat (Spotify)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Riffs on Repeat (YouTube Music)⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Hits from the Crypt (Apple)⁠

There's no doubt about it - AI is going to change the game of medicine, health and longevity. And Florence AI could be it. Working alongside your physician, for you the patient, Florence is the most curated, intentional health AI agent I have come across. Having exclusive access to some of the most contiguous medical data around, and able to not only give specific personal advice but within the context of relevant medical legislation, Florence has been developed to give humanity 10 billion years of healthy living.Guy Leitersdorf is the Founder and CEO of Longevity AI, a digital health company using artificial intelligence to transform preventive healthcare and personalized longevity medicine aiming to give humanity 10 billion years of healthy life. He previously led AI at ironSource and now works with major healthcare organizations to help predict and prevent chronic disease using real-time biomarker and behavioral data. Guy also lectures in medical entrepreneurship at Tel Aviv University and is a strategic advisor in precision medicine.  Contact:Website - https://www.longevity-ai.comJoin us as we explore:If Florence is the most sophisticated health AI agent right now, able to tailor-make assessment and intervention strategies based on individualized data as well as the patient's medical regulatory environment.Why 80% to 90% of diseased years are entirely preventable!How Guy and Longevity-AI have engineered Florence to avoid “hallucinations”.Calculating a clinical-grade biological age.Longevity-AI's consideration on security, privacy and data integrity.Support the showFollow Steve's socials: Instagram | LinkedIn | YouTube | Facebook | Twitter | TikTokSupport the show on Patreon:As much as we love doing it, there are costs involved and any contribution will allow us to keep going and keep finding the best guests in the world to share their health expertise with you. I'd be grateful and feel so blessed by your support: https://www.patreon.com/MadeToThriveShowSend me a WhatsApp to +27 64 871 0308. Disclaimer: Please see the link for our disclaimer policy for all of our content: https://madetothrive.co.za/terms-and-conditions-and-privacy-policy/

This week, we're resharing a top episode from the archive. Originally recorded a year ago, this episode on the 95/5 rule remains one of our most popular. Enjoy, and we'll be back with new content next week! This episode, Elena, Angela, and Rob explore the 95/5 rule introduced by professor John Dawes in 2021. They discuss how this principle contradicts the familiar 80/20 rule, why it applies beyond B2B categories, and how brands can shift from "hunter" to "farmer" mindsets. The team also covers creative strategies for reaching the 95% who aren't ready to buy yet and why mental availability matters more than immediate conversion. Topics covered: [01:00] Origins of the 95/5 rule and how it contradicts 80/20 thinking [04:00] Why the rule makes sense for B2B but challenges B2C assumptions [07:00] How modern marketing overemphasizes tracking immediate conversions [09:00] Calculating the 95/5 rule for your specific category [12:00] Creative strategies that build memory structures for future buyers [14:00] Shifting from hunter to farmer mentality in advertising strategy [17:00] Brand versus performance marketing balance under this rule To learn more, visit marketingarchitects.com/podcast or subscribe to our newsletter at marketingarchitects.com/newsletter. Resources: The 95:5 Rule: https://www.linkedin.com/pulse/955-rule-john-dawes/Why You Should Follow The 95-5 Rule: https://www.linkedin.com/pulse/why-you-should-follow-95-5-rule-tyrona-heath/ Calculate your in-market audience: mymarketcalculator.comGet more research-backed marketing strategies by subscribing to The Marketing Architects on Apple Podcasts, Spotify, or wherever you listen to podcasts. 

This week on “Inside the Vatican,” Colleen Dulle is joined by guest host Ashley McKinless for an interview with Gerard O'Connell and his wife and journalist Elisabetta Piqué about their new book, “The Election of Pope Leo XIV: The Last Surprise of Pope Francis.” They discuss pre-conclave maneuvering, including organized resistance to Pope Francis's reforms, as well as their decision to report conclave details despite Cardinals taking oaths of secrecy. - 0:00 Breaking the secrecy of a conclave - 8:10 A Vatican journalist and a war correspondent - 12:04 Calculating the conclave vote tallies - 15:09 Pressure campaigns and conclave maneuvering - 22:17 How the cardinals choose a pope - 30:10 What the cardinals think of Pope Leo so far - 35:50 A touching personal story Links: The Election of Pope Leo XIV: The Last Surprise of Pope Francis by Gerard O'Connell and Elisabetta Pique Excerpt: Behind the scenes of Pope Leo XIV's election Backer of Cardinal Parolin attacks Pope Francis' push for lay involvement in church governance Los puntos débiles de Parolin, el favorito a ser el próximo papa, y el secreto a voces de su relación con Francisco Follow Gerry on X: @gerryorome  Follow Colleen on Instagram: @colleendulle  Support Inside the Vatican by becoming a subscriber to America Magazine! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we reveal the golden rules of real estate and show you how to analyze deals from multiple angles. Learn to assess your comfort with long-term investments, unlock infinite returns, and apply the three main skills in REI to elevate your portfolio. Get insights on the best properties to maximize your portfolio's success. Tune in and supercharge your real estate journey! Be a part of the TTP training program now. ---------Show notes:(1:04) Beginning of today's episode(1:35) Golden rules of real estate(2:28) Look at deals in multiple lenses(3:03) Are you comfortable buying a deal long term?(4:17) Infinite returns(5:15) Calculating cash on cash basis on deals(12:03) The three main skills in real estate investing(22:23) What are hard money funds(33:02) Comfortability vs Profitability(39:52) How to approach your clients in a more human way and help them genuinely (45:19) Properties to include in your portfolio----------Resources:Taskrabbit InvestorLiftDealMachine (code:ttp)Never Split The DifferenceBiggerPocketsTo speak with Brent or one of our other expert coaches call (281) 835-4201 or schedule your free discovery call here to learn about our mentorship programs and become part of the TribeGo to Wholesalingincgroup.com to become part of one of the fastest growing Facebook communities in the Wholesaling space. Get all of your burning Wholesaling questions answered, gain access to JV partnerships, and connect with other "success minded" Rhinos in the community.It's 100% free to join. The opportunities in this community  are endless, what are you waiting for?

This is the proven path to becoming a real estate millionaire, retiring early, and gaining complete financial independence. It's not hard, but it takes time, work, and forethought. If you can follow this financial freedom “stack,” you'll be able to retire early, or retire much richer, like today's guest.  Andrew Giancola, host of The Personal Finance Podcast, beat the system. He reached financial independence in his 30s, not through luck, market timing, or big bets, but through slow, smart money moves and purchasing enough rentals to buy back his time. He reverse-engineered his path, creating the 11-step financial freedom “stack” that anyone can use to become a millionaire and retire early. The “stack” starts at the beginning. You don't need any money or experience to start. The genius part of the system is that it almost automatically puts you in the best possible position to invest, reinvest, and finally retire how you want. We're going into detail on each step of the “stack” so you can follow it, find financial freedom, and live life completely on your terms.  In This Episode We Cover The 11 (repeatable) steps to go from no rentals to complete financial freedom  How to trade your time for rental properties (if you're starting with no money) The least amount of money you should have before you begin investing  How much do you need to retire? Calculating your “freedom number” fast Still got “bad” debt? What to do ASAP before buying your first rental  How to pick a real estate investing strategy based on your savings  Don't just invest in rentals: Why Andrew and Dave think "100% rentals" is too risky  “Wealth accelerators” that supercharge your net worth  And So Much More! Check out more resources from this show on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠BiggerPockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠h⁠ttps://www.biggerpockets.com/blog/real-estate-1250 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠advertise@biggerpockets.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices